UBA Naira Credit Card

One Card, Endless opportunities.

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0% interest with your credit card.

With the UBA Credit Card, you get up to N3 million and have the option to pay 0% interest when you repay within 45 days.

Features and Benefits

Fees and charges

Requirements

How to apply

Download the credit card application form here and complete all necessary fields or Visit any of our branches nationwide and submit your duly completed application form to the Customer Service Officer.

Terms and Conditions

Unsecured Credit Card (For Salaried Customers)

Secured/Cash backed Credit Card (For SMEs and Self Employed Individuals)

How to Request for a UBA Naira Credit Card

Complete this form and submit it at the nearest UBA business office.

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UBA Naira Credit Card Enrollment Form

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Employee Status Inquiry Form

Frequently Asked Questions

Answers to common questions on our UBA Naira Credit Card.

Simply walk into any UBA branch or visit our website at ubagroup.com to download the credit card application form, fill in and submit to the Customer Service Officer at any of our branches nationwide.  

Any employee of approved corporates whose salary account is domiciled with UBA.

No, your UBA Naira Credit Card can only be used locally.

The cycle runs from the 15th of every month to the 15th of the next month when the credit card statement showing transactions details within the period and amount due for repayment will be sent to the cardholders’ registered email address.

Monthly interest rate of 3% on cash advance (withdrawals made on ATM) and 2.5% on POS/WEB.

Yes, there is a 45 day interest free period on POS/Web transactions provided 100% repayment is made on the due date. Less than 100% repayment will result in 2.5% charge on the outstanding balance.

You are expected to make at least a minimum monthly repayment of 10% on the outstanding balance. However, customers can opt to repay higher amounts e.g. 20% to100% of the outstanding balance.Fund your repayment account on or before the 30th with the amount for your chosen repayment plan as it will be debited from your account on the 30th of each month.

Fund your repayment account on or before the 30th with the amount for your chosen repayment plan.

When you default on the minimum monthly repayment by the 30th of the month being the due date, a late repayment fee being 1% of the outstanding balance from the date it was not paid will be charged to the cardholder.